Posts
General Roth and incoming inheritance advice.
Hey Everyone, Like title stated looking to get some advice on my Roth account and where is a good start to putting roughly 120k into. For my Roth, I have about 7k in a Fidfolio that I started late last year targeting International stocks. I have the 7500 from this …
AI health apps are everywhere. the ones with actual revenue infrastructure underneath them are not.
every week there's a new AI health or wellness app. most of them are pure software plays with no revenue, no moat, and a pitch deck where the TAM slide does a lot of heavy lifting. been looking at a few of the AIM-listed health tech names that have tried …
Considering selling all of my stock to repay margin lending investments. What are the things I should consider?
I have \~$168,000 invested with only $56,000 of it as my cash. \~$78,000 is margin lending invested. I know that’s high. my return is about $33,000 (59%) right now. Total equity about $86,000. Most of the gains are in the last 3 weeks, 20% to 59%. it’s a heavily diversified …
$CEG - Constellation energy reported today Q1 EPS of $2.74, after analyst estimates of $2.59.
How do we feel about Constellation right now. With 21 reactors across 12 sites, Constellation leads the U.S. in nuclear generation, with majority stake in the market. 24/7 always on clean nuclear energy. I expect they will only grow as AI infistructure demands more constant power.
“YouTubers”uncompensated risk?
If you google asset allocation on YouTube you’ll find several videos of YouTubers who claim their portfolio mix is superior to traditional portfolio mixes. Most have foundation etf in VTI/VOO and also a growth fund (SCHG or QQQM). They never speak to overlap or uncompensated risk. Any thought about this? …
China's RMB settlement push through CIPS and Belt & Road is quietly accelerating
China's long term strategy for increasing the international use of the yuan is showing up through two connected channels. The Cross-Border Interbank Payment System (CIPS) and trade settlement frameworks linked to the Belt & Road Initiative. CIPS, launched by the People’s Bank of China in 2015, functions as a dedicated …
E*Trade offers 5 Zero fee Index mutual funds!
Maybe I wasn't paying attention or E\*Trade is horrible at marketing, but they offer 5 zero fee Index mutual funds as of April 2025. Two that caught my attention are: \- ETTOX (Total USA) \- ETISX (International) What are your thoughts on them? Do they compete well with Fidelity's zero …
How the AI bubble is going to pop
LLM training and inference are horrifically inefficient. It's fairly easy to count the number of tokens a human and LLM need to learn a language fluently. LLM needs around 150X more than a human. Inference efficiency gap estimates I've seen are similar. Memory usage is the same story. If you …
Gold is falling because the dollar is too strong. The real risk comes later.
Gold falling to around $4,698 does not need to be overcomplicated. The simplest explanation is still the strongest one: gold is priced in dollars, and the dollar is strong. When the dollar rises, gold becomes more expensive for non-dollar buyers, so gold naturally comes under pressure. Oil staying elevated also …
Introducing broker programs are basically incentive design problems
I don’t usually see many people discuss IB programs from an incentive-design perspective, but I think they are actually a good example of how financial businesses shape behavior. A typical IB program may reward partners based on new funded clients, client deposits, active users, and trading activity. From the broker’s …